| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS BENEFIT PLANNING, LLC3 Filed as: COMPASS BENEFIT PLANNING, LLC. | 1800 WALT WHITMAN ROAD SUITE 160 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC. | $48K | — | $48K | 3.62% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST LLC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | OXFORD HEALTH INSURANCE, INC. | $5K | — | $5K | 0.35% |
| D.C. HELLER & COMPANY, INC.3 | 1800 WALT WHITMAN ROAD SUITE 160 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $364 | — | $364 | 0.36% |
| COMPASS BENEFIT PLANNING, LLC3 | 1800 WALT WHITMAN ROAD #160 MELVILLE, NY 11747 | EYEMED VISION CARE | $823 | — | $823 | 7.71% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG, INC. | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | EYEMED VISION CARE | $179 | — | $179 | 1.68% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 172 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $102K |
| Vision | EYEMED VISION CARE | 180 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.